We make banking easy
To help you get the most out of our experience with Rayne State Bank, you'll find a collection of helpful and interactive video resources and online tutorials to help you learn more about all we have to offer. Enjoy!
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Rayne State Bank & Trust Co. 
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Online Banking
Introducing Bill Pay from Rayne State Bank
Bill Pay lets you quickly and conveniently pay anyone online that you pay today by check.
Features:
- Administer three levels of authorized users with dual control features.
- Pay any person or company in the U.S. except court-ordered payments and state and federal tax payments.
- Receive and pay e-Bills online.
- Schedule repeating payments.
- Electronically link invoice and credit memo information with your payments.
Introducing Online Banking.
Powerful business banking tools at your fingertips.
With Online Banking, you can save time, improve your cash flow, and streamline your cash management procedures all in a fully secure environment.
- Real-time Account Balances
- Direct Deposit of Payroll
- ACH Origination
- Wire Transfers
- Transfer Funds between accounts in real time
- State and Federal Tax Payments
- Bill Pay Services
- Positive Pay
- All in a fully safe and secure environment
Introducing Merchant Capture
The quick way to turn check deposits into cash.
Key Advantages of Merchant Capture.
- Make your funds available faster.
- Make deposits anytime.
- Save time preparing deposits.
- Consolidate funds from remote locations into one financial institution.
- Cut costly courier fees or trips to the financial institution.
- Reduce risk of check fraud.
Is Merchant Capture for you?
Does your business:
- Have multiple locations?
- Make deposits after normal banking hours?
- Pay transportation costs to deliver deposits?
- Receive checks with large dollar amounts?
If you answered YES to any of the above questions, then Merchant Capture may benefit your company. It's like having a 24-hour teller right in your office.
- Get faster funds availability - With electronic deposits, checks can be deposited into your account sooner, so your money is working smarter for you.
- Make deposits anytime - Enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week, even weekends.
- Save time preparing deposits - Preparing deposits electronically is very efficient, reducing labor costs and freeing up staff for other tasks.
- Save time and money - Electronic deposits can reduce trips to the bank and eliminate costly courier fees.
- Streamline your cash flow - Check deposits can easily be made from any remote office or storefront. This makes it easy to consolidate deposits from multiple locations into a single bank.
- Reduce risk of check fraud - Faster check clearing may allow you to act sooner on returned checks, increasing your opportunities for collection.
- Work more securely - Multiple layers of security include password protection, Internet firewalls, and 128-bit encryption - the highest level of security commercially available.
What you will need
Merchant Capture is easy to set up and use. All you need is:
A PC with an open USB 2.0 port and a current version of VIsta (32 bit or 64 bit) Windows 7 (32 bit or 64 bit), or Windows 8 and Internet Explorer® 9 or newer.
A properly installed desktop check scanner.
An Internet connection.
An account with Rayne State Bank.
A properly installed desktop check scanner.
An Internet connection.
An account with Rayne State Bank.
How does Merchant Capture work?
Using Merchant Capture is easy:
- Scan checks from a Web-connected computer - Using a desktop check scanner, simply scan both sides of the checks in a single pass.
- Prepare the deposit - View images of the scanned checks right on your PC. The dollar amounts for the checks are automatically read, and the deposit is totaled.
- Electronically send the deposit to the bank - After you save the deposit, go to the Pending Items tab and click the deposit's submit link. The deposit is sent to the bank through a secure Internet connection. Funds are deposited into your account - Funds may be available sooner than traditional deposits.
Introducing Online Banking.
Now, you can enjoy a simple, convenient and easy way to manage your money — anytime of the day or night. It delivers a highly intuitive user interface, responsive screens and great tools that simplify your financial life.
- Check all your account balances, pay bills and make transfers right from the Home Page
- View real-time account balances, check images and history
- 24-hour access to checking, loans and CDs
- Export history to financial software or spreadsheets
- Transfer funds between accounts
- Pay bills online
- Safe and secure
Manage your money anytime, anywhere with Rayne State Bank Mobile
- Instant Balance: When enabled, users can securely preview balances without logging in.
- Touch/Fingerprint ID: Log in using your fingerprint instead of a password with Apple's Touch ID or Android's Fingerprint Authentication.
- Account Balances: View your account balances in real-time.
- Recent Transactions: View both recent and pending transactions.
- Check Images: View images of the front and back of your checks.
- Transfer Funds: Easily move money between your accounts.
- Add Contacts: Add companies and people to send money to.
- Send Money: Schedule payments to companies and people.
- Request Money: Request money from other people.
- Receive Money: Accept payments from other people.
- Deposit Checks: Deposit paper checks using your phone's built-in camera.
Fully secure
Use Rayne State Bank Mobile with complete confidence. It delivers the highest level of security thanks to multiple layers of authentication.
Learn to protect yourself from Identity Theft. Rayne State Bank can help.
Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language -- Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.
How to protect your identity
The simple fact is you can protect yourself against most forms of identity theft. The first step is education. To make it easier to understand, we’ve divided identity theft into the five “Danger Zones.” Take a few moments to learn about each of the Danger Zones and the steps you can take to avoid being a victim.
Online Bill Pay
Introducing Bill Pay from Rayne State Bank
- Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter.
- Send Money to Friends and Family. All you need is their email address or cell phone number.
- Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.
- Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
- Receive eBills. Green, more convenient, more secure and easier to manage.
- Reminders. Receive updates through email when you receive a bill, or when it's due.
- Automatic Payments. Great for bills that stay the same each month, like your rent and your car loan.
- Search Bill History. Search by company, date and status, the moment you need an answer, wherever you are.
- Message Center. Get quick answers to questions you might have.
- Completely safe. More secure than mailing paper checks.
RSA Authentication
What is RSA Authentication ?
RSA Authentication is our Log In authentication system for Online Banking. It utilizes multiple layers of security to ensure that your accounts and information remain secure. RSA Authentication protects you from fraud and identity theft by preventing unauthorized access to your accounts.
RSA Authentication is our Log In authentication system for Online Banking. It utilizes multiple layers of security to ensure that your accounts and information remain secure. RSA Authentication protects you from fraud and identity theft by preventing unauthorized access to your accounts.
How do I enroll?
RSA Authentication is very easy to use and there is no software to install. Just follow the instructions to enroll and learn about RSA Authentication log-in procedures.
How does RSA Authentication work?
The system uses multiple layers of security ensuring unauthorized users cannot gain access to your accounts. We do this by verifying three important criteria:
- Your Log In Credentials - Access ID and Password must match with our system records or access is refused.
- Your Device - We check the device you are using – whether it’s your computer, mobile phone or tablet. If we don’t recognize the device, we may ask you to answer a Security Challenge question to ensure your identity.
- Your Location - If access is being requested from an unusual geographic location, we may ask you to answer one of your Challenge questions before giving you access.
When you are logging in, our Extended Validation Certificate will display as a "green bar" in your browser address bar. You can always enter your credentials with the assurance that if your browser address bar is green, your connection is safe. It is a known and trusted way to verify the authenticity of a website.
MoneyIQ
Stay in Control
Learn about keeping your information safe and managing your money.
Social Engineering, Mobile Security, Malware protection, Strong Passwords are just some of the security topics covered in MoneyIQ. You can also learn about quality mortgages, paying off debt as well as kids and money.